The Fair Debt Collection Practices Act (FDCPA) is a federal regulation, which prohibits debt collectors from using unfair, abusive practices to collect debt from people. The FDCPA protects consumers against harassing creditors. With extensive experience and knowledge in consumer rights protection, our firm will defend you against unlawful debt collection practices and will make the calls stop.
Many debt collection agencies take advantage of debtors, knowing that a majority of people may not know their rights protected under the FDCPA and may not know that they can file a lawsuit against collectors for harassment.
FDCPA violations that debt collectors frequently commit:
Ask you to pay a debt you don’t owe or that has already been paid.
Fail to provide you with verification of a debt that you have disputed.
Demand that you pay fees or charges on top of a debt you may owe.
Use illegal tactics while contacting you
Call you before 8 a.m. or after 9 p.m.
Make false statement or representations to you.
Use obscene, profane or abusive language.
Call repeatedly or continuously.
Share information about a debt you allegedly owe with third parties, such as employers, family members or neighbors.
Call at times the collector knew or should know are inconvenient.
Take or threaten to take an illegal action, such as:
Call after you give the collector the name and phone number of your attorney.
Call after you’ve filed for bankruptcy or had a debt discharged in bankruptcy.
Apply pressure on you in a way that “overshadows” your consumer rights.
Call you at work more than once when they know you can’t take calls there (or that it’s inconvenient for you or your employer).
Leave you a voicemail without saying that he or she is a collector trying to collect debt. The collector must identify his or her name and company.
Send you misleading or deceptive letters.
Fail to properly give you certain disclosures.
If you have experienced any of these violations from a debt collector, contact us today for a free case evaluation. Do not be a victim to debt collection companies, contact us now.
Mr. Sturycz is a very professional and friendly man who helped in a quick and excellent manner to ease my issues. I was very pleased with his service and would highly recommend him to anyone.
My experience with his firm has all been exceptional. He establishes immediate trust and confidence, in addition to professional integrity. I believe he will represent my interests to the best of his experience and ability.